Call reports 2022
WESTERN HERITAGE BANK — 2022
What WESTERN HERITAGE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 315,360,000 | 326,798,000 | 335,732,000 | 324,032,000 |
| Total loans | 224,314,000 | 232,764,000 | 240,108,000 | 239,604,000 |
| Allowance for loan losses | 2,761,000 | 2,768,000 | 2,774,000 | 2,782,000 |
| Securities available for sale | 22,950,000 | 27,073,000 | 25,630,000 | 0 |
| Securities held to maturity | 0 | 4,927,000 | 4,936,000 | 40,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,552,000 | 291,364,000 | 300,019,000 | 288,019,000 |
| Interest-bearing deposits | 138,164,000 | 139,643,000 | 146,032,000 | 137,643,000 |
| Noninterest-bearing deposits | 132,388,000 | 151,721,000 | 153,987,000 | 150,376,000 |
| Equity capital | 31,513,000 | 31,193,000 | 31,244,000 | 31,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,808,000 | 5,864,000 | 9,403,000 | 13,593,000 |
| Interest expense | 157,000 | 312,000 | 442,000 | 673,000 |
| Net interest income | 2,651,000 | 5,552,000 | 8,961,000 | 12,920,000 |
| Noninterest income | 262,000 | 519,000 | 772,000 | 1,020,000 |
| Noninterest expense | 2,136,000 | 4,195,000 | 6,505,000 | 8,690,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 777,000 | 1,876,000 | 3,228,000 | 5,250,000 |
| Income tax | 179,000 | 451,000 | 767,000 | 1,159,000 |
| Net income | 598,000 | 1,425,000 | 2,461,000 | 4,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,469,000 | 32,108,000 | 33,204,000 | 34,716,000 |